Microsoft Financing

Frequently asked questions

Microsoft works with third-party financing providers to facilitate payment solutions for credit-approved customers under the Microsoft Financing program.

Microsoft Financing offers simple, flexible, and impactful payment solutions that are tailored to meet the needs of any business. They enable you to structure your technology spend so it aligns with your budget, cash flow, and deployment schedules. The result – you can meet your evolving business demands quickly by getting the solutions you need when you want them.

Microsoft Financing designs convenient, flexible options that can be customized to help you structure your technology spend to meet your business needs—close budget gaps, solve payment-timing issues, and match investment to deployment and ROI.

Microsoft Financing is available for products and services that are sold through Microsoft Volume Licensing programs including the MPSA, Enterprise Agreement, Select Plus, and Open License programs. Payment solutions are available for Products and Services such as Azure, O365, Dynamics, Premier Support Services, Microsoft Consulting Services, and most third-party products and services (minimum Microsoft content applies).

Yes, Microsoft Financing can be used to cover services and third-party products as long as a minimum Microsoft product threshold requirement is met. Threshold requirements will vary by country, so please check with your local Payment Solutions Sales Professional or partner for additional information.

You can apply for any amount you need to finance the entire solution, or just a portion of it, provided the amount exceeds the minimum threshold in your country. The minimums vary by country but, for example is US$3,000 in the United States.

Please consult your local Payment Solutions Sales Professional or partner for additional information.

Any commercial or public sector customer (may vary by country) that licenses Microsoft software as part of their IT investment is eligible. Please check with your Microsoft Partner or local Payment Solutions Sales Professional for additional information.

Financing providers in the Microsoft Financing program use prudent, industry-standard lending terms and procedures. Lending decisions are made by the financing provider and are based on the creditworthiness of the customer. Credit terms and industry standards vary by country. Factors that historically have benefited customer credit approval include:

Report profitable operations

Are well established in their industry and have been in business at least two years

Have a good payment history as reported by outside credit bureau

Have a transaction size that is comparable to the overall capacity of their business size

Have no history of bankruptcies and/or unfavorable judgments

Have a positive net worth

These web pages are for informational purposes only and do not constitute an offer of credit by Microsoft or any affiliate of Microsoft. To receive financing, a customer must be credit-approved by the applicable third-party financing provider. The financing agreement sets forth the terms and conditions on which financing is offered.